Purchase of a car insurance policy entitles you to file claims for any damage/loss/accident of your insured vehicle with the insurer. The compensation provided in the settlement of claim depends on your vehicle’s IDV, extent of damage/loss and the type of policy taken by you. Filing of a car insurance claim settlement process with Royal Sundaram is a quick and easy process. The company offers both cashless claim settlements with more than 3,300 authorised garages/bodyshops as well as reimbursement claim settlements with other garages.
The documents that you need to submit during the claim settlement process are as follows:
Follow the below-mentioned steps to make a cashless claim settlement with Royal Sundaram after an accident/loss/damage of your vehicle.
Step 1: Inform the Insurer
Inform Royal Sundaram immediately after an accident/loss/damage of your insured vehicle. You can inform Royal Sundaram by calling on their claim intimation hotline 1800 568 9999 or by sending an SMS to 567675.
You can alternatively use Royal Sundaram’s Mobile App m-Chatra for the intimation.
Step 2: Lodge FIR (if applicable)
Lodge an FIR at the nearest police station in the case of serious injury or death of a third party. Keep a copy of the FIR as you need to submit it at the time of claim settlement.
Step 3: Tow Your Car
Ask the insurer to arrange towing service to take your car to the nearest cashless workshop or arrange a towing service yourself. The towing service provided by the insurer is chargeable as per the distance towed.
Step 4: Survey And Documentation
The company will send a surveyor to inspect the damage and to complete the documentation process for settling the claim of your insured vehicle.
Step 5: Repair And Claim Settlement
Your car will be repaired at the workshop and the company will disburse the claim amount directly to the garage after factoring the deductibles and depreciation (if not opted for the zero depreciation add-on cover).
If you are unable to locate a cashless workshop nearby, file a reimbursement claim by following the steps mentioned below.
Step 1: Inform Royal Sundaram
Contact the insurer and inform about the accident/loss/damage through the claim intimation hotline 18005689999 or by sending an SMS to 567675. Keep policy details, contact details and details regarding the loss with you.
Step 2: Medical Help and FIR
Immediately seek medical attention if any person suffers serious injuries in the accident/damage. Also, lodge an FIR at the local police station in case of theft and serious injuries/death of anybody.
Step 3: Estimate Cost of Repairs
Get an estimated cost of repairs and submit it to the company. The company will also send a surveyor, who will inspect the car for the extent of damages.
Step 4: Repair And Payment
Repair your car at the garage and pay the entire cost of repairs. Submit all the original bills along with necessary documents to the company.
Step 5: Reimbursement
Post completion of all formalities, Royal Sundaram will sanction the final claim amount immediately. If the amount exceeds Rs 1 lakh, you will have to submit a copy of your PAN Card along with a recent passport photo.
The company can reject a claim because of the following reasons:
To secure a car with an insurance policy is good but paying a premium every year for it could become tedious for some. In such a situation, a No Claim Bonus (NCB) can help a lot of policyholders of car insurance. The NCB is a reward given to policyholders by insurance companies for not filing any claim in a policy year. The benefit is offered in terms of a discount which is applied to reduce the standalone own-damage car insurance premium or own-damage component of a comprehensive car insurance for the next year. The NCB begins at 20% and can go up to a maximum of 50% with consecutive claim-free years.
The benefit of NCB belongs to the policyholder and not the insured car, hence, policyholders can transfer the NCB while changing their cars or switching to another car insurance company. However, it is recommended to avoid raising any claim in a policy year or to bear minor damage expenses to secure the NCB benefit, but it is not always possible for everyone. However, in order to save your accumulated NCB despite making a claim, you can opt for a NCB protector add-on cover, which helps you save your bonus even if you make a car insurance claim.
A car insurance plan comes with a fixed validity period after which it you need to get it renewed to keep your car insured. You can get it renewed eit
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In case of cashless claim settlement, you need to pay only your part of liability such as voluntary and involuntary deductible, depreciation cost (if you haven’t availed zero depreciation add-on cover) and the difference between the repair cost and the Insured Sum. On the other hand, in case of reimbursement claim settlement, you need to pay the entire cost of repairs at the garage but the company will reimburse you with its part of liabilities as soon as possible.
If someone else such as a hired driver or anyone has committed an accident while driving your car, you will still be entitled to file a claim. This is because a car insurance policy insures a car and not the driver.
You can entitle yourself for higher claim amounts by purchase add-on covers such as Zero Depreciation, Engine Protection, etc. These add-ons extend the coverage of your comprehensive policy thereby reducing your liability.
Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.
